Michigan auto insurance operates under a “no-fault” system.  With a “no-fault” system, each drivers insurance pays for their own medical expenses and damages in the event of an accident regardless of fault.  Since Michigan has a “no-fault” system, it is required by law for every driver to be insured.  Michigan’s minimum insurance coverage includes three minimum parts; PIP coverage (personal injury protection), property protection (PPI), and bodily injury/property damage coverage.  In the event of an accident, PIP insurance covers medical expenses, lost wages, and even funeral expenses.  Bodily injury/property damages cover for the costs of passengers and other drivers and also any property damages that incur.  Michigan does not require Uninsured Motorist Coverage, but it is high recommended.

Q: “What is the minimum amount of auto insurance coverage that I need in Michigan?”

The minimum amount for Michigan’s liability policy (or bodily injury/property damages) is seen on a policy as 20/40/10. This means the minimum amount of coverage is $20,000 for personal injury, $40,000 for all persons involved, and $10,000 for any property damage.  The minimum amount of PIP coverage is $10,000.  A driver should ensure that they have enough coverage to financially protect themselves.

Compare Michigan Car Insurance Rates Online

Its important to check with multiple providers in order to get the best rates for auto insurance.  Compared to the rest of the U.S., Michigan is right in the middle of the road for auto insurance rates. At autoinsurancebystate.com, you can get multiple rates from the top insurance companies in seconds.  Protect yourself and your wallet!

Current Providers in Michigan

For More Information

Michigan Department of Insurance
P.O. Box 30220
Lansing, MI 48909
Phone: (517) 373-0220